Estimate only — not payroll or tax advice. Ohio uses progressive income tax brackets with a personal exemption; this calculator uses your estimated effective rate. Verify rates at tax.ohio.gov. Federal data: IRS Rev. Proc. 2025-32.

Ohio Take-Home Pay Calculator

For tax year 2025, Ohio has three income tax brackets with a top rate of 3.125% (income up to $26,050 is exempt); it moves to a flat 2.75% rate above $26,050 in tax year 2026. Because the effective rate depends on your specific income and exemptions, enter your estimated effective state rate below (the calculator defaults to 3%). Verify your bracket at tax.ohio.gov. Note: many Ohio municipalities levy an additional local income tax.

Your Income

$
%
Gross Pay
—
Federal Tax
—
FICA (SS + Medicare)
—
State Tax
—
Estimated Take-Home Pay
—
per year

Annual Pay Breakdown

Item Annual Amount % of Gross

How the Estimate Is Calculated

All calculations run in your browser. No data is sent to any server.

Step 1 — Federal Taxable Income

Taxable Income = Gross Annual Salary − Standard Deduction

2026 standard deductions (Rev. Proc. 2025-32): Single $16,100 · Married Filing Jointly $32,200 · Head of Household $24,150

Step 2 — Federal Income Tax (progressive brackets)

Federal Tax = Σ (bracket rate × income in that bracket)

2026 brackets for single filers (taxable income after deduction):
10% on $0–$12,400 · 12% on $12,401–$50,400 · 22% on $50,401–$105,700 · 24% on $105,701–$201,775 · 32% on $201,776–$256,225 · 35% on $256,226–$640,600 · 37% over $640,600
Married Filing Jointly brackets are approximately double the single thresholds.
Source: IRS Rev. Proc. 2025-32

Step 3 — FICA (Social Security + Medicare)

SS Tax = min(Gross, $184,500) × 6.2%
Medicare = Gross × 1.45%

SS wage base $184,500 for 2026. No wage base cap on Medicare. Source: IRS Topic 751

Step 4 — State Income Tax (simplified estimate)

State Tax = (Gross − State Deductions) × Effective State Rate

For Texas and Florida: $0 (no state income tax, verified taxfoundation.org 2026).
For Pennsylvania: flat 3.07% of gross (no state standard deduction) — PA Dept of Revenue.
For Illinois: 4.95% × (Gross − $2,925 personal exemption) — IL Dept of Revenue.
For California: enter your estimated effective rate (CA has 9 progressive brackets; use the FTB rate schedule to find yours).
For New York, Ohio, and other states: enter your estimated effective rate.

Step 5 — Take-Home Pay

Net Pay = Gross − Federal Tax − SS Tax − Medicare Tax − State Tax

Ohio Income Tax Overview

Ohio has been reducing its income tax rates in recent years. Key points:

  • Income exempt: first $26,050 of taxable income (no tax below this threshold)
  • Brackets above exemption (TY2025): 2.75% on $26,051–$100,000, 3.125% above $100,000 (flat 2.75% above $26,050 from TY2026)
  • Personal exemption: $1,900–$2,400 per exemption depending on MAGI (TY2025)
  • Municipal taxes: many Ohio cities add 1.5%–3% on top of state tax

For an Ohio worker earning $75,000 as a single filer with an estimated 3% effective rate:

  • Federal income tax: approximately $7,670
  • Social Security: $4,650
  • Medicare: $1,088
  • Ohio state tax (~3% effective): $2,250
  • Estimated take-home: ~$59,342/year or ~$4,945/month

Approximate figures only. Does not include local/municipal income taxes.

Compare With Other States

Frequently Asked Questions

What is the Ohio state income tax rate?

Ohio is phasing in a flat income tax. For tax year 2025, income up to $26,050 is exempt, income from $26,051 to $100,000 is taxed at 2.75%, and income above $100,000 is taxed at 3.125%. Beginning in tax year 2026, Ohio moves to a single flat 2.75% rate on income above $26,050. Enter your estimated effective rate in the calculator; verify current rates at tax.ohio.gov. As of tax year 2025, per the Ohio Department of Taxation (IT 1040 instructions).

Does Ohio have a standard deduction or personal exemption?

Ohio provides a personal exemption rather than a standard deduction. For tax year 2025 the amount is $1,900 to $2,400 per exemption depending on your modified adjusted gross income (MAGI). These details vary by year; check tax.ohio.gov for the most current figures. As of tax year 2025, per the Ohio Department of Taxation.

What is a reasonable effective rate to enter for Ohio?

For most Ohio workers earning between $40,000 and $120,000, an effective state income tax rate of 2.5–3.5% is a reasonable estimate. Lower earners may have effective rates under 2%; higher earners closer to 4%. For a precise calculation, use the rate tables at tax.ohio.gov.

Does Ohio have local income taxes?

Many Ohio cities levy a municipal income tax. Columbus taxes residents at 2.5%, Cleveland at 2.5%, and Cincinnati at 1.8%, for example. This calculator covers state tax only. Ohio workers in taxed municipalities should add the local rate to their state effective rate for a combined estimate.

Where can I find Ohio's official income tax tables?

Official rates and tables are published by the Ohio Department of Taxation at tax.ohio.gov — see the Individual Income Tax section and the current IT 1040 instructions.